Premium Cards - insurances

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This booklet comprises two parts. A Product Disclosure Statement and policy wordings for the insurance cover provided by QBE Insurance (Australia) Ltd, and policy wordings for insurance cover provided by Zurich Australian Insurance Limited

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This booklet contains policies issued by two insurers and is made up of two independent parts.

Each part must be read separately as the specific terms, conditions, limits and exclusions that apply to each of the policies issued by one insurer, do not apply to the other.

Part 1 – QBE product disclosure statement and policy wordings for:

> Overseas travel and medical insurance Master Policy

> Transport accident cover Master Policy

> Rental excess cover Master Policy (collectively the Master Policies)

If you make a claim under any of the Master Policies, you must comply with QBE’s claims procedures which are set out on page 76 of Part 1- QBE product disclosure statement and policy wordings.

QM5940 0314

Date of preparation: 11 February 2014 Date effective: 12 March 2014

Part 2 – Zurich terms and conditions for the following insurances

> 90-day Purchase Security Insurance

> Extended Warranty Insurance

> Best Price Guarantee Scheme

> Interstate Flight Inconvenience Insurance

If you make a claim under any of Zurich policies, you must comply with Zurich’s claims procedures which are set out on page 97 of Zurich’s terms and conditions.

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Part 1 QBE terms and conditions

Part 1 consists of the product disclosure statement and policy wordings for the Master Policies issued by QBE Insurance (Australia) Limited for:

> Overseas travel and medical insurance,

> Transport accident cover, and

> Rental excess cover

QBE is responsible for the information in Part 1 of this booklet. QBE does not warrant and has no responsibility in respect of Part 2 of this booklet.

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Part 1 – QBE product disclosure statement and policy wordings.

Overseas travel and medical insurance, Transport accident cover and Rental excess cover

Important information

Part 1 of this booklet contains QBE’s product disclosure statement and policy wordings for the:

> Overseas travel and medical insurance Master Policy (the Travel Master Policy)

> Transport accident cover Master Policy (the Transport Master Policy)

> Rental excess cover Master Policy (the Rental Excess Master Policy)

(collectively the Master Policies)

QBE does not warrant and has no responsibility in respect of Part 2 of this booklet. This PDS contains information designed to help you understand the Master Policies. Other documents may form part of this document and we will tell you if this is the case in that document.

The information in this PDS is of a general nature only and has not considered your objectives, financial situation or needs. You should carefully consider the information provided, having regard to your personal circumstances to decide if this insurance is right for you.

The benefit of cover under the Master Policies is provided to you under master policy arrangements between Australia and New Zealand Banking Group Limited and QBE Insurance (Australia) Limited. Any person seeking to access the cover under any of the Master Policies needs to read this PDS and the Master Policy wordings carefully to decide if the cover meets their needs and will cover their potential loss. It is an important document so please keep it in a safe place for future reference.

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Who provides these Master Policies? Insurer

These Master Policies are underwritten by QBE Insurance (Australia) Limited ABN 78 003 191 035 AFS Licence No. 239545 of 82 Pitt Street, Sydney NSW 2000 (QBE, insurer).

Insured

QBE has issued the Master Policies to Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522 of ANZ Centre, Level 9, 833 Collins Street, Docklands, VIC, 3008 (ANZ, insured).

ANZ is not the issuer of the Master Policies and neither ANZ nor any of its related corporations guarantee any of the benefits under the Master Policies. Neither ANZ nor any of its related corporations are authorised representatives (under the Corporations Act 2001 (Cth)) of QBE.

About the Master Policies

ANZ has taken out the Master Policies under master policy arrangements with QBE for the period of insurance. The Master Policies are contracts of insurance soley between ANZ and QBE. They are not contracts between QBE and you. The cover under the Master Policies is provided to you if you meet the eligibility criteria by operation of section 48 of the Insurance Contracts Act 1984 (Cth) at no additional cost to you. ANZ does not receive any commission or remuneration from QBE for arranging the Master Policies. Each of the Master Policies must be read separately as they contain terms, conditions, limits and exclusions which are specific to each policy.

ANZ may terminate the Master Policies with QBE at any time and will provide written notification to you if it does so. Purchases made in accordance with the Master Policies before a notification to terminate the cover is given will be covered under the relevant Master Policy. Purchases made after this notification to terminate is given will not be eligible for cover under the Master Policy.

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About QBE Australia

QBE Insurance (Australia) Limited ABN 78 003 191 035 is a member of the QBE Insurance Group (ASX: QBE). QBE Insurance Group is Australia’s largest international general insurance and reinsurance group, and one of the top 25 insurers and reinsurers worldwide. The company has been operating in Australia since 1886 and continues to provide industry-leading insurance solutions that are focused on the needs of intermediaries and their clients.

QBE is a household name in Australian insurance, backed by sizeable assets, and well known as a strong and financially secure organisation.

Please contact QBE for policy administration and claim enquiries:

Phone (toll free): 1300 135 271 (Office Hours Mon-Fri: 8:30-18:00) Email: [email protected]

Postal Address: P.O Box 12090 Melbourne VIC 8006

Emergency and medical assistance services – QBE Assist QBE Assist contact details

If you’re overseas and need assistance, QBE Assist are on call 24 hours a day, 7 days a week.– The following numbers are toll free from a landline. Calls from mobiles will be at your cost.

Country Telephone Austria 0800 291 702 Brazil 0800 891 8401 Canada 1800 665 3870 China North 10800 611 0133 China South 10800 361 0151 Fiji 00800 2149 France 0800 90 5097 Germany 0800 181 7694 Greece 00800 6112 6195 Hong Kong 800 933 877 India 0008006101119 Indonesia 001 803 61 683 Ireland 1800 552 636 Israel 180 945 6589

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Country Telephone Italy 800 875 100 Japan 00531 616 441 Malaysia 1800 800 428 Netherlands 08000 226 742 New Zealand 0800 441 678 Philippines 1800 1611 0045 Singapore 800 6161 051 South Africa 0800 99 3514 Spain 900 996 167 Sweden 0200 214 612 Switzerland 0800 838 533 Thailand 001 800 611 2885 Turkey 00800 6190 3627 United Kingdom 0800 899 813 United States 1800 765 8631

If you cannot use the toll free numbers above, please contact our Emergency Assistance team using the contact details below Phone: + 61 3 8523 2800

Fax: + 61 3 8523 2815

Within Australia: 1300 555 019 or 03 8523 2800 Email: [email protected]

Significant risks

These policies may not match your expectations The Master Policies may not match your expectations (for example, because an exclusion applies). You should therefore read this PDS and the terms and conditions of each Master Policy. Please ask us if you are unsure about any aspect of the Master Policies.

Are you sure you have the right level of cover?

You need to make sure the limits of cover are appropriate for your needs. Otherwise you may be under insured and have to bear part of any loss that exceeds the limits yourself. Please refer to the applicable limits as set out in the schedule of benefits and the terms and conditions of each Master Policy.

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A claim may be refused

We may refuse to pay or reduce the amount we pay under a claim if you do not comply with the conditions set out in the Master Policies, if you make a misrepresentation or if you make a fraudulent claim.

The Travel Master Policy

The risks which are specific to the Travel Master Policy are set out below.

Unattended luggage and personal effects

There is no cover for luggage and personal effects that are left unattended. Please refer to the definition of unattended in the Master Policy terms and conditions and “What is not covered?” under Section C1 “Luggage and personal effects”.

Medical and ancillary costs

There is no cover for any medical, dental or ancillary costs incurred within Australia. Refer to Section A “Overseas medical and dental expenses” in the Master Policy terms and conditions. Non travellers

There is no cover for any costs incurred due to the illness, injury or death of any person 80 years of age or over not travelling with you.

The Transport Master Policy

The risks which are specific to the Transport Master Policy are set out below.

Unlicensed transport operators

There is no cover under this Master Policy whilst travelling on an aeroplane, tourist bus, train or ferry that is not licensed by the local regulatory authority to carry fare paying passengers.

The Rental Excess Master Policy

The risks which are specific to the Rental Excess Master Policy are set out below.

Have you complied with the conditions of the Rental Agreement?

There is no cover under this Master Policy where your use of the rental vehicle is in breach of the conditions of the Rental Agreement.

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GST

If we agree to pay a claim under any of the Master Policies, the amount we pay covers GST inclusive costs (up to the relevant limit set out in the schedule of benefits). However, we will reduce any claim payment by any input tax credit you are or would be entitled to for the repair or replacement of insured property or for other things covered by any of the

Master Policies.

Privacy

All companies in the QBE Group are committed to safeguarding your privacy and the confidentiality of your personal information. QBE collects only that personal information from or about you for the purpose of assessing your application for insurance and administering your insurance policy, including any claim made by you. QBE will only use and disclose your personal information for a purpose you would reasonably expect. We will request your consent for any other purpose.

Without this personal information we may not be able to administer your insurance or process your claim. Our aim is to always have accurate and up-to-date information, you should contact us if the information is not correct. QBE uses the services of a related company located in the Philippines to provide Call Centre sales and claims handling, accounting and administration services to QBE in Australia.

QBE or our authorised agent may collect or disclose your personal information from or to:

> any person authorised by you;

> a mail house, records management company or technology services provider (for printing and/or delivery of mail and email, including secure storage and management of our records). These companies may be located or the records stored using ‘Cloud’ technology overseas, including in India, Ireland, USA or the Netherlands;

> a financier whose name appears on your Policy Schedule (for the purpose of confirming the currency of your Policy or when you have a claim and the insured property is a total loss, to confirm if the financier has a current interest);

> an organisation that provides you with banking facilities (for the purpose of arranging direct debit or other payment transactions or confirming payments made by you to us);

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> a financial services provider or our agent who is arranging your insurance (for the purpose of confirming your personal and insurance details);

> another person named as a co-insured on your Policy (for the purpose of confirming if full disclosure has been made to us);

> another insurer (to obtain confirmation of your no claim bonus or to assess insurance risks or to assist with an investigation);

> our reinsurer that may be located overseas (for the purpose of seeking recovery from them);

> a dispute resolution organisation such as the Financial Ombudsman Service (for the purpose of resolving disputes between QBE and you or between QBE and a third party);

> a company to conduct surveys on our behalf for the purpose of improved customer services; and

> an insurance reference bureau (to record any claims you may make upon us).

In addition to the above, in the event of a claim, QBE or our authorised agent may disclose your personal information:

> to a repairer or supplier (for the purpose of repairing or replacing your insured items);

> to an investigator, assessor (for the purpose of investigating or assessing your claim);

> to a lawyer or recovery agent (for the purpose of defending an action by a third party against you or recovering our costs including your excess or seeking a legal opinion regarding the acceptance of a claim);

> to a witness to a claim (for the purpose of obtaining a witness statement);

> to another party to a claim (for the purpose of obtaining a statement from them or seeking recovery from them or to defend an action by a third party).

Personal information (about you) may also be obtained from the above people or organisations.

In addition we will:

> give you the opportunity to find out what personal information we hold about you and when necessary, correct any errors in this information. Generally we will do this without restriction or charge; and

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> provide our dispute resolution procedures to you, should you wish to complain about how we handle your personal information.

To obtain further information about our Privacy Policy or to request access to or correct your personal information, please email: [email protected].

To make a complaint email: [email protected].

Complaints and Dispute resolution process

We will do everything possible to provide a quality service to you. However, we recognise that occasionally there may be some aspect of our service or a decision we have made that you wish to query or draw to our attention.

We have a complaints and dispute resolution procedure which undertakes to provide an answer to your complaint within fifteen (15) working days.

If you would like to make a complaint or access our internal dispute resolution service please contact the nearest QBE office and ask to speak to a dispute resolution specialist. If you are not happy with our answer, or we have taken more than fifteen (15) working days to respond, you may take your complaint to the Financial Ombudsman Service (FOS), an ASIC approved external dispute resolution body.

FOS resolves certain insurance disputes between consumers and insurers and will provide an independent review at no cost to you. QBE is bound by the determination of FOS but the determination is not binding on you.

We will provide the contact telephone number and address of the FOS office upon request.

The General Insurance Code of Practice

QBE is a signatory to the General Insurance Code of Practice. The Code aims to:

> promote more informed relations between insurers and their customers;

> improve consumer confidence in the general insurance industry;

> provide better mechanisms for the resolution of complaints and disputes between insurers and their customers; and

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> commit insurers and the professionals they rely upon to higher standards of customer service.

To obtain a copy of the General Insurance Code of Practice go to www.codeofpractice.com.au

Financial Claims Scheme

The Master Policies are protected policies under the Financial Claims Scheme (FCS), which protects certain insureds and claimants in the event of an insurer becoming insolvent. In the unlikely event of QBE becoming insolvent you may be entitled to access the FCS, provided you meet the eligibility criteria. More information may be obtained from the Australian Prudential Regulation Authority - www.apra.gov.au or 1300 55 88 49.

*Per participating cardholder and/or accompanying spouse (including any accompanying dependent children)

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Schedule of benefits

This is a summary of cover only. You must refer to the terms and conditions of each Master Policy for all of the terms, conditions, limits and exclusions.

Values shown in the following table represent the maximum sum insured in Australian dollars. Please note, not all benefits and benefit amounts are shown. In some cases sub-limits apply or the benefits may not be available to you. Please read the entire terms and conditions of each Master Policy to ensure the cover of each Master Policy meets your requirements.

Travel Master Policy schedule of benefits

Section Benefits Sum insured* Policy excess per event

Section A

(pages 34-39) Overseas medical and dental expenses

A1 Overseas medical

and dental expenses $Unlimited $250 A2 Medical evacuation and repatriation $Unlimited $250 A3 Hospital compensation $8,000 (plus $500 if due to mugging) $Nil A4 Critical illness or injury – emergency travel expenses for companion $Unlimited $Nil A5 Post-hospital accommodation $500 $Nil A6 Dental expenses due to sudden and acute pain

$2,000 $250

* Per participating cardholder and/or accompanying spouse (including any accompanying dependent children)

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Section B

(pages 40-44) Cancellation and additional expenses

B1 Cancellation or holiday deferment costs $Unlimited (except agents fees up to a maximum of $2,000) $250 B2 Emergency travel arrangements and accommodation expenses $ Unlimited (except $500 for meals and $250 for internet and telephone calls) $250 B3 Loss of reward points $ Unlimited $250 B4 Non-medical evacuation and repatriation $ Unlimited $250 Section C

(pages 44-49) Luggage and personal effects

C1 Luggage and personal effects Maximum total limit Subject to specific item sub limits below

Personal computer, cameras & video camera Any other Item C2 Emergency luggage - After 10 hours - After 72 hours C3 Replacement golf and surf equipment

$12,000 $4,000 $1,000 $500 $1,000 $200 $250 $250 $250 $Nil $Nil $Nil

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Section Benefits Sum insured* Policy excess per event C4 Replacement

passports and travel documents C5 Fraudulent use of credit or debit cards $3,000 $3,000 $Nil $Nil Section D

(pages 49-54) Extra travel cover

D1 Travel delay D2 Missed connection – special events D3 Resumption of trip D4 Withdrawal of services D5 Hijacking D6 Emergency accommodation due to terrorism D7 Domestic pets $2,000 $2,000 $3,000 $500 $Unlimited $3,000 $500 $Nil $Nil $Nil $Nil $Nil $Nil $Nil Section E

(pages 54-55) Rental vehicle expenses

E1 Rental vehicle insurance excess E2 Return of rental vehicle $5,000 $750 $Nil $Nil

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Section F

(pages 55-57) Accidental death, permanent disability and _{loss of income}

F1 Accidental death F2 Funeral expenses or repatriation of remains F3 Total permanent disability F4 Loss of income $50,000 (except $1,000 each accompanying dependant child) $25,000 $50,000 $10,000 $Nil $Nil $Nil $Nil Section G

(pages 58-60) Personal liability and legal expenses

G1 Personal liability G2 Legal expenses $3,000,000 per event $15,000 $Nil $Nil

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In the Travel Master Policy:

> There is no cover for any medical, dental or ancillary costs incurred within Australia.

> Subject to the above exclusion, the Travel Master Policy provides cover in Norfolk Island, Lord Howe Island, the Cocos Island, Christmas Island and for domestic air travel (when connecting to overseas travel) under sections B, C, D, E, F and G.

> Domestic air travel required to connect with overseas travel or domestic air travel forming part of the overseas travel will be regarded as overseas travel as long as the connecting flight is within 48 hours from the departure date. However medical and hospital expenses are not covered within Australia. Existing medical conditions

The Travel Master Policy does not cover any existing medical condition(s) for you, your relatives, your travelling companions or any other person that may give rise for you to claim. However, if you wish to apply for cover for your existing medical condition(s) you must contact QBE before you leave Australia, on 1300 135 271 and complete any documentation we require. If we agree to cover your existing medical condition(s), we will send you a letter confirming that your existing medical condition is covered under the Travel Master Policy for the trip in question and whether the cover is subject to any special conditions.

If we agree to cover some or all of your existing medical condition(s) an administration fee of $75 per person is payable to cover the cost of the assessment.

You cannot apply for cover for existing medical conditions of any person not insured under the Travel Master Policy.

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Transport Master Policy schedule of benefits Transport accident injury resulting

in: (pages 61 - 68) Sum insured

Loss of life $750,000

Loss of both hands or both feet $375,000 Loss of one hand and one foot $375,000 Loss of entire sight of both eyes $375,000 Loss of entire sight of one eye and

one hand or one foot

$375,000 Loss of one hand or one foot $175,000 Loss of entire sight of one eye $175,000 Rental Excess Master Policy schedule of benefits

Sum insured Policy excess per event Rental vehicle collision

excess (pages 69 - 75)

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OVERSEAS TRAVEL AND MEDICAL

INSURANCE TERMS AND CONDITIONS

“TRAVEL MASTER POLICY”

Our agreement with ANZ

The Travel Master Policy is a legal contract between ANZ and us and must be read in conjunction with the schedule of benefits. ANZ pays us the premium, and we provide eligible persons with access to the benefit of cover under the Travel Master Policy.

Activating cover under this Travel Master Policy This section describes whether you are eligible, and what you must do, to activate cover under this Travel Master Policy. 1. Activation of Cover

To activate cover under this Travel Master Policy for your trip you must meet the eligibility criteria.

2. Eligibility criteria

To meet the eligibility criteria, you must:

(a) be a current participating cardholder at the date of any claimable event; and

(b) be eighty (80) years of age or under; and

(c) be a permanent resident of Australia or a person who holds:

(i) a Temporary Work (Skilled) visa (subclass 457); or (ii) an Australian visa which:

A. authorises you to live and work in Australia; and B. requires you to maintain a minimum level of

health insurance coverage as required by the Department of Immigration and Citizenship; and

C. has more than three months validity beyond the scheduled return date to Australia for any trip; and

(d) if:

(i) you have been an Australian permanent resident or visa holder referred to in paragraph (c) (i) or (ii)

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above for at least 12 months, have spent at least 75% of that time in Australia, or

(ii) you have been an Australian permanent resident or visa holder referred to in paragraph (c) (i) or (ii) above for less than 12 months, have spent at least 75% of that time in Australia; and

(e) have purchased with your participating card account a minimum of $250 (inclusive of taxes and other charges) of your pre-booked transport costs (airfares and/or cruise) and/or land content (tours, hire cars or other hired transport and accommodation) prior to the commencement of your trip. The payment must be debited to your participating card account prior to your departure from Australia.; and

(f) hold a ticket to return you to Australia.

If you have satisfied all of the above criteria then you will be automatically considered to have activated cover. However, in the event of a claim, we require that you provide us with evidence that you met these criteria. If you have not met the above criteria you will not be eligible

for cover under any section of this Travel Master Policy. About your right of access to cover

ANZ has taken out this Travel Master Policy and has done so under a master policy arrangement with QBE for the period of insurance. The cover under this Travel Master Policy is provided to you at no additional cost and ANZ does not receive any commission or remuneration from QBE for arranging the Travel Master Policy.

Access to the Travel Master Policy is provided to you if you meet the eligibility criteria and is provided to you solely by operation of section 48 of the Insurance Contracts Act 1984 (Cth).

You have no right to cancel or vary the Travel Master Policy, only ANZ (as the contracting insured) and QBE can do this. If ANZ and QBE do so, we do not need to obtain your consent. We also do not provide you with any notices in relation to this Travel Master Policy as you are not a contracting insured. We only send notices to ANZ which is the only entity we have contractual obligations to under this Travel Master Policy.

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You are not obliged to accept any of the benefits of the Travel Master Policy but if you wish to make a claim, you will be bound by the terms, conditions, limitations and exclusions set out in these Travel Master Policy terms and conditions. Neither QBE nor ANZ hold the Travel Master Policy or the benefits provided under it on trust or for your benefit or on your behalf.

ANZ does not:

> act on behalf of us or you in relation to the Travel Master Policy;

> provide, and is not authorised to provide, any financial product advice, recommendations or opinions about the coverage; and

> receive any remuneration or other benefits from us. If you are seeking access to the benefit of this Travel Master Policy, you should consider obtaining advice as to whether it is appropriate for your needs from a person who is licensed to give such advice. Nothing prevents you from entering into other arrangements regarding insurance.

ANZ may terminate or amend the Travel Master Policy with QBE at any time and if this happens ANZ will provide written notification to you. Notice will be deemed to take effect either:

a. on the third day after the date of the notice; or b. In the event that you are on a trip and cannot be

contacted, immediately upon your return to your place of residence following your trip.

The ‘general exclusions’ and ‘claim procedures’ set out in the PDS also apply to any claim you make.

We will not pay any more than the sum insured for each section set out in the schedule of benefits.

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General definitions

There are some words in these Travel Master Policy terms and conditions that have a special meaning. These words and their meanings are set out in the table below.

Word or term Meaning Applicable

limit(s) the sum insured specified in the schedule of benefits.

Carrier(s) the scheduled airline, vessel, train, or

motor coach transport in which you are to travel to or from your intended destination.

Child or

children your child or children, stepchildor stepchildren, grandchild or grandchildren, nieces and nephews who are under 21 years of age on the date your cover is activated and who are financially dependant on you during the trip.

Claims

procedures the claims conditions and claims procedures which are set out on page

76 of Part 1 QBE product disclosure statement and policy wordings. If you do not comply with any of the claim procedures relevant to your claim then we may refuse a claim, reduce any amount payable to you or exercise any remedy available to us at law. Electronic

equipment

portable game consoles, portable media players, and satellite navigation units. Eligibility

criteria the criteria which you must meet to obtain the benefit of cover under this

Travel Master Policy. The eligibility criteria are set out in these Travel Master Policy terms and conditions under the heading ‘’Activating cover under this Travel Master Policy”.

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Existing medical condition(s)

(a) any chronic or ongoing (whether chronic or otherwise) medical or dental condition, illness or disease of which you were aware or should reasonably have been aware, or which is medically documented within the last 12 months or under investigation in the 12 months prior to the date your cover is activated for each trip; or (b) any physical, mental illness or medical

condition (including pregnancy), defect, illness or disease of which symptoms were apparent within the last 12 months, or for which treatment, medication, preventative medication, advice, preventative advice or investigation have been received or prescribed by a medical or dental adviser in the 60 days prior to the date your cover is activated for each trip.

Note:

> where any condition, illness or disease is the subject of an investigation, that condition, illness or disease falls within this definition, regardless of whether or not a diagnosis of the condition, illness or disease has been made.

> this definition applies regardless of whether or not the condition, illness or disease displays symptoms.

> this definition applies to you, your travelling party, your relatives, your business colleague, or any other person you have a relationship with whose state of health could affect your travel plans.

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Existing medical condition(s) - continued

Provided the following existing medical conditions are stable and you or anyone else to be covered are not waiting for treatment, on a hospital waiting list or awaiting results of medical tests or investigations in relation to any of these conditions, cover is automatically provided. Please complete a travellers medical appraisal form and submit to QBE where cover is required in any other circumstance. Please refer to the ‘Important information’ section for further details.

> acne

> allergies - such as allergic rhinitis, chronic rhinitis, hayfever, sinusitis, anaphylaxis, dermatitis, eczema, psoriasis, urticaria, food intolerance, latex allergy

> anaemia - including iron deficiency anaemia, B12 deficiency, folate deficiency, pernicious anaemia

> asthma - provided you are under 60 years of age and you have not required cortisone medication, except taken by inhaler or puffer, or hospitalisation for the past 12 months including as an outpatient.

> bell’s palsy

> benign breast cysts

> bunions

> carpal tunnel syndrome

> cataracts

> coeliac disease

> congenital blindness/deafness

> diabetes mellitus types 1 and 2 provided you were not diagnosed within the last 12 months and where you have no known cardiovascular, hypertensive, vascular disease, no related kidney, eye or neuropathy complications

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Existing medical condition(s) - continued

> epilepsy - you have been seizure free for the past 12 months or do not require more than 1 anti-seizure medication

> goitre, hypothyroidism, Hashimotos disease, Graves disease

> gout

> hiatus hernia/gastro-oesophageal reflux disease, Peptic ulcer disease

> high blood pressure (Hypertension) - stable

> high cholesterol (Hypercholesterolaemia)

> high lipids (Hyperlipidaemia)

> insulin resistance, impaired glucose tolerance

> incontinence

> menopause

> migraines except where you have been hospitalised in the past 12 months

> nocturnal cramps

> osteoporosis - where there have been no fractures and you do not require more than 1 medication or suffer any back pain condition

> plantar fasciitis

> pregnancy related illness up to and including 26 weeks gestation; provided that there have been no complications in this pregnancy or any previous pregnancy; or this pregnancy has not been assisted by artificial reproductive techniques, eg IVF

> Raynaud’s Disease

> trigeminal neuralgia

> trigger finger

> routine screening tests where no underlying disease has been detected.

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Financial

default the insolvency, bankruptcy, provisional liquidation, financial collapse, appointment of receivers, or any other form of insolvency administration of any person, company, or organisation. General

exclusions the general exclusions which are set out on page 31 of Part 1 QBE product

disclosure statement and policy wordings.

Home in Australia

your usual residential address in Australia. If you do not travel directly to your Home in Australia at the completion of your trip, it means your point of arrival or an Australian hospital if we repatriate you.

Injury bodily injury that is caused solely and

directly by external and visible means as a result of an accident and which does not result from an illness or disease. Medically

necessary treatment that is appropriate for your illness or injury, consistent with your symptoms, and that can be safely provided to you. It meets the standards of good medical practice and isn’t for your convenience or the provider’s convenience.

Mental illness a condition characterised by the

presence of symptoms such as delusions, hallucinations, disorder of thought form, disturbance of mood, or sustained or repeated irrational behaviour, which impairs, either temporarily or permanently, the mental functioning of a person.

Overseas outside of Australia and its territories, including any cruise that has a scheduled stop at an international port.

Participating

card account a valid ANZ Frequent Flyer Platinum credit card issued by Australia and New

Zealand Banking Group Limited, declared to be current by Australia and New Zealand Banking Group Limited at the time of any event, injury, loss or damage which would allow you to claim under this Travel Master Policy.

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Participating

cardholder means a person to whom ANZ has issued a participating card account as either the primary cardholder or as an additional or supplementary cardholder on the participating card account. Period of

insurance in relation to different types of benefits, the following applies:

1. The cancellation benefit under this The cancellation benefit under this Travel Master Policy starts from the date you activated your cover in accordance with the eligibility criteria.

2. All other benefits under this Travel Master Policy commence when you leave your home in Australia to start your trip up to a maximum period of 6 continuous months.

3. All cover under this Travel Master Policy ceases when the first of the following happens:

(a) you complete your trip; or

(b) you return to your home in Australia; or

(c) your trip has exceeded 6 months. If something happens for which you can claim under any of the sections of this Travel Master Policy, and this causes you to extend your trip, cover under this policy will continue until you can reasonably complete your trip. Personal

computer laptops, notebooks, tablet PCs, personal digital assistants (PDA’s), smart phones, and any other hand-held wireless devices that have the capacity to convey data or information.

Point of arrival an airport, port, station or bus terminal

to which your pre-paid scheduled public transport arrives.

Point of

departure an airport, port, station or bus terminal from which your pre-paid scheduled public transport departs.

Primary cardholder

means the person(s) in whose name(s) the participating card account is opened.

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Professional sporting activity

an activity for which you receive financial reward, sponsorship or benefits from participating in or training for that activity, regardless of whether or not you are a professional sportsperson.

Relative(s) is limited to a relative of yours, or of a

member of the travelling party, who is resident in Australia or New Zealand. It means a spouse, defacto partner, parent, parent in-law, daughter, son, daughter-in- law, son-in-law, brother, sister, brother-in-law, sister-brother-in-law, grandchildren, grandparent, stepparent, stepchildren, fiance or fiancee, guardian, aunt, uncle, niece or nephew.

Rental vehicle any car, campervan, motorcycle or boat you rent from a licensed rental vehicle company and for which you have a signed contract with that company. Repatriate(d) or

repatriation travel arrangements made by us for your return to your home in Australia or where

we consider to be the nearest suitable alternative.

Resident(s) of

Australia someone who currently resides in Australia and is eligible for an Australian Medicare card.

Scheduled

public transport a public transport system that runs to a timetable.

Schedule of

benefits the Travel Master Policy schedule of benefits which is set out on page 14 of Part 1 QBE product disclosure statement and policy wordings

Spouse a legal or de facto spouse or a partner

with whom you are in a permanent relationship. We may ask for proof of the marriage or permanent relationship. Terrorist act an act or threat of force or violence by

any person acting alone or in association with an organisation or foreign government, where the purpose, by its nature or context, is to put the public or a section of the public in fear, to resist or influence a government, or to further an ideological, religious, ethnic or similar act.

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Total permanent disability

you have lost any part of your arm between the shoulder and wrist or any part of your leg between the hip and ankle or use of the above, or lost sight in one or both eyes for at least 12 months and after consultation with an appropriate medical specialist and, in our opinion, that loss will continue indefinitely.

Travelling party you and any travelling companion who has made arrangements to accompany you for at least 50% of the trip. Travel Master

Policy Part 1 QBE product disclosure statement and policy wordings and this Overseas

travel and medical insurance Master Policy which has been issued to ANZ. The benefit of cover under the Travel Master Policy is provided to persons who meet the eligibility criteria, solely by operation of section 48 of the Insurance Contracts Act 1984 (Cth).

Trip(s) the period begins on the date of departure from your home in Australia and ends when you return to your home in Australia.

Unattended leaving your luggage or personal effects

either with a person you have not previously met, or in a public place where it can be taken without your knowledge, or at a distance from which you cannot prevent it from being taken.

We, our(s), us QBE Insurance (Australia) Limited ABN 78 003 191 035 AFSL 239545.

You, your the participating cardholder and includes

the participating cardholder’s spouse and dependent persons under 21 years of age and not in full time employment who travel with you on your trip. You, your, excludes any person aged over 80 years of age or anyone with a date of birth after your departure date.

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General exclusions

These are the general exclusions which apply to all sections of this Travel Master Policy. You should read them, together with the cover and the specific exclusions referred to under each section. There is no cover under any section of this Travel Master Policy for any claim arising directly or indirectly because of any of the following:

1. you travel:

(a) even though you know you are unfit to travel; or (b) against medical advice; or

(c) when you know you will have to consult a medical practitioner; or

(d) for the purpose of obtaining medical advice or treatment.

2. you failed to maintain a course of treatment you were on at the time your trip commenced.

3. illness, injury or death, caused or exacerbated by, or consequential upon, an existing medical condition of you, a member of the travelling party or a non-travelling relative or business partner. This exclusion will not apply if you have applied to cover the existing medical condition, cover has been granted by us in writing and you have paid us any additional amount we asked for, or the medical condition is one that is automatically covered.

4 illness, injury or death in relation to any medical condition, where a metastatic condition was diagnosed and/or a terminal prognosis was made prior to the activation of cover for any trip.

5. the birth of a child, whatever the proximate cause is. (Unless otherwise excluded by this policy we will cover pregnancy related illnesses of the mother up to and including 26 weeks gestation).

6. your treatment in a health spa, convalescent or nursing home or any rehabilitation centre unless agreed by us. 7. any medical charges in excess of reasonable and necessary

expenses, or charges caused directly or indirectly by an error of the medical provider.

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8. the illness, injury or death of a person who is not a member of your travelling party and is 80 years of age or over at the time of activation of any trip.

9. a member of the travelling party decides to alter their plans or not to continue with the trip.

10. a member of the travelling party:

(a) intentionally or recklessly places themselves in circumstances, or undertakes activities, which pose a risk to their personal safety (except in an attempt to save a human life); or

(b) deliberately injures themself; or

(c) being under the influence of, or is addicted to, intoxicating liquor or a drug, except a drug taken in accordance with the advice of a registered medical practitioner; or

(d) suffers any mental illness including dementia, depression, anxiety, panic attack, stress, bipolar, mania, schizophrenia or other nervous disorder; or

(e) suffers HIV with AIDS related infection or illness; or (f) takes part in a riot or civil commotion; or (g) acts maliciously; or

(h) hunts, plays polo, races (except on foot),mountaineers using support ropes, rock climbs, abseils, participates in base jumping, running with the bulls, or pot holing; or (i) travels in international waters in a private sail vessel or

privately registered sail vessel; or

(j) participates in, or trains for, a professional sporting activity; or

(k) scuba dives unless you hold an open water diving licence or you were diving under licensed instruction; or

(l) rides a motor cycle without wearing a helmet, or without an unrestricted motorcycle licence that is valid in your country of residence, or with an engine capacity greater than 250cc; or

(m) rides a 4 wheel motor cycle even as a pillion passenger.

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11. a loss which is recoverable under some other scheme that provides coverage for any medical treatment. For example, Medicare, a private health fund, national reciprocal health fund or scheme, workers’ compensation scheme, travel compensation fund or accident compensation scheme. We will not pay for private medical care when reciprocal health cover is available and accessible. In any case, we will only pay for private medical care where approval has been given by QBE Assist.

12. expenses or costs which are considered to be ‘Health Insurance business’, as defined within the Private Health Insurance Act 2007 (Cth) and its regulations.

13. any expenses or costs which are prohibited by law from paying within Australia or the country in which a claim occurs.

14. any consequential loss or loss of enjoyment.

15. a loss caused by, or in any way connected with a criminal or dishonest act by you or by a person with whom you are in collusion.

16. a loss caused by, or in any way connected with war, invasion, act of a foreign enemy, hostilities (whether war is declared or not), civil war, rebellion, revolution, military or usurped power or civil insurrection.

17. a loss caused by, or in any way connected with the use, existence or escape of nuclear weapons material, or ionising radiation from, or contamination by, radioactivity from any nuclear fuel, or nuclear waste from the combustion of nuclear fuel.

18. a loss caused by, or in any way connected with any government intervention, prohibition, or regulation. This exclusion does not apply where you are confined in compulsory quarantine.

19. a government authority seizing, withholding or destroying anything of yours or any prohibition by or regulation or intervention of any government or any government not allowing you to enter or to stay in that country.

20. an act or threat of terrorism. This exclusion does not apply to Section A1 “Overseas medical and dental expenses”, Section D5 “Hijacking”, D6 “Emergency accommodation due to terrorism”, Section C “Luggage and personal

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effects” or under Section A2 “Medical evacuation and repatriation” for the cost of repatriation to or within Australia, if the carrier requires you to be brought back with a medical escort.

21. the cancellation or delay of travel arrangements due to mechanical breakdown of transportation or failure of the carrier to operate the service. This exclusion does not apply to Section D1 “Travel delay” or Section D2 “Missed connection - special events”.

22. you fail to take reasonable precautions to avoid a financial loss after a public warning of a strike, riot, civil commotion, or natural disaster.

23. you operate a rental vehicle in violation of the rental agreement.

24. the financial default of any person, company or organisation involved in your travel arrangements. 25. credit card conversion fees or any other bank charges. 26. losses incurred if you:

(a) have not met the activation of cover criteria as detailed in the Travel Master Policy terms and conditions section;

(b) were over 80 years of age at the time your cover was activated for any trip.

Section A

Overseas medical and dental expenses

Section A is made up of subsections A1, A2, A3, A4, A5 and A6. Specific terms, conditions, limits and exclusions, as well as the ‘general exclusions’ and ‘claim procedures’ of the Travel Master Policy, apply to each subsection.

Section A1 – Overseas medical and dental expenses When does the cover begin and end?

The cover under this benefit begins when you commence your trip and ends when you return to your home in Australia or when the period of insurance ends, whichever happens first.

What is covered? We will cover you for:

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(a) medical, hospital and ambulance expenses you incur as a result of an illness, injury or death; or

(b) dental treatment expenses you incur as a result of an injury to healthy natural teeth;

that you suffer while you are overseas, or onboard a cruise that includes a scheduled stopover at an international port. We will pay medical and dental expenses which we believe are medically necessary to treat the illness or injury. Conditions

1. Any treatment you receive must be given by a medical practitioner, physiotherapist, chiropractor, osteopath, dentist or oral surgeon who is registered to practise in the country or jurisdiction where you receive treatment. 2. Where you need treatment for an injury by a physiotherapist,

chiropractor, osteopath or emergency dental treatment, you may have the first 6 treatments without asking us. Any treatments after that must be with our consent.

3. To determine if expenses are reasonable and necessary, we may consider all relevant factors, including the average reimbursement received by the provider for similar treatment. 4. All expenses under this section must be incurred within 12

months of the date of the illness or injury. What is not covered?

1. There is no cover for any medical, hospital, dental or ambulance expenses you incur in Australia. We cannot cover these because we are not allowed to do so by law. 2. There is no cover under this section because of an illness

or injury, the signs and symptoms of which you first became aware of after activation of cover and before you went on your trip.

3. There is no cover for any person whose date of birth is after the commencement of your trip.

4. There is no cover for damage to dentures or dental prostheses under this section. Refer to section C1 “Luggage and personal effects” for cover that may be available. 5. There is no cover for expenses incurred for dental

treatment due to normal wear and tear or the normal maintenance of dental health.

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6. There is no cover for any existing medical condition for any member of the travelling party unless you have applied for cover for the existing medical condition, we have agreed to cover it in writing and, if applicable, you have paid the additional premium or the medical condition is one that is automatically covered.

7. There is no cover for ongoing payments under this section if we decide on the advice of a doctor appointed by us that you are capable of being repatriated to or within Australia. If you do not agree to return to your home in Australia we may choose not to make any further payment for medical expenses and associated costs as determined by us.

8. Any cover where you have made a claim for the same costs under any other section of the Travel Master Policy. What is the most we will pay?

The most we will pay is the applicable limit set out in the schedule of benefits.

The most we will pay for an event solely requiring dental treatment is $2,000.

Section A2 - Medical evacuation and repatriation When does the cover begin and end?

The cover under this section begins when you commence your trip and ends when you return to your home in Australia or when the period of insurance ends, whichever happens first.

What is covered?

We will cover you if you have to interrupt your trip after it has begun because you have suffered an illness or injury while you are on your trip and, in our opinion, you need to be evacuated or repatriated.

We will pay expenses which we believe are reasonable and necessary to bring you back to your home in Australia or to another destination of our choice. Before we will pay this you must give us written certification from your treating doctor that your evacuation or repatriation is necessary and that you cannot continue your trip.

The decision to evacuate or repatriate you is ours, and we will not pay for any evacuation or repatriation expenses unless it is

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medically justified and you have received our consent. Based on the advice of your treating doctor we will either; (a) return you to your home in Australia with a medical

attendant; or

(b) pay for a return economy class airfare, reasonable accommodation and additional expenses for a friend or relative to fly to, remain with and escort you in place of a medical attendant; or

(c) return you to your home in Australia without an attendant. What is not covered?

1. We will not cover you if you evacuate or repatriate when it is not medically necessary or without our consent. 2. We will not pay for any expenses you incur to resume your

trip after you have returned to your home in Australia. 3. For repatriation, we will not pay more than the cost of

repatriation to your home in Australia.

4. There is no cover under this section because of an illness or injury, the signs and symptoms of which you first became aware of after activation of cover and before you went on your trip.

5. Any additional costs for travel you undertake that is not at the fare class that you originally chose, unless it is medically justified, based on the written recommendation from your treating doctor and you have our consent. 6. Any cover where you have made a claim for the same

costs under any other section of the Travel Master Policy. What is the most we will pay?

Cover is unlimited.

Section A3 - Hospital compensation When does the cover begin and end?

The cover under this section begins when you are hospitalised overseas and ends when you are discharged from hospital.

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We will cover you if you are hospitalised overseas for more than 48 continuous hours because of an illness or injury which first happened while you were outside Australia on your trip. What is the most we will pay?

We will pay $75 for every 24 hours up to a maximum of $8,000. Additionally, where an injury is as a result of a mugging attack that has been reported to police we will pay you $500. Section A4 - Critical illness or injury – emergency travel expenses for a companion

When does the cover begin and end?

The cover under this section begins when you are hospitalised overseas and ends when you are discharged from hospital. What is covered?

We will pay for a return economy class airfare and reasonable accommodation for a friend or relative to travel directly to you, if you are hospitalised as a direct result of you suffering a sudden life-threatening critical injury or illness during your trip. Before we will pay this you must give us a written recommendation from your treating doctor and you must have our consent.

What is the most we will pay? Cover is unlimited.

Section A5 - Post-hospital accommodation When does the cover begin and end?

The cover under this section begins when you are discharged from an overseas hospital and ends when your treating doctor deems you are fit to resume your trip, or after 5 days, whichever occurs first.

We will cover you if you are hospitalised overseas for more than 48 hours because of an illness or injury which first happened while you were outside Australia on your trip, and you need accommodation to recover from your illness or injury after you leave hospital. Before we will pay this you must give us a written recommendation from your treating doctor and you must have our consent.

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What is not covered?

1. We will not pay for post-hospitalisation accommodation expenses when you have also made a claim for cancelled accommodation expenses covering the same period of time. 2. Any cover where you have made a claim for the same

costs under any other section of the Travel Master Policy. What is the most we will pay?

We will pay the daily amount of $100 up to a maximum of $500. Section A6 - Dental expenses due to sudden and acute pain

We will cover you for dental treatment expenses you incur overseas to relieve sudden and acute pain. We will pay expenses which we believe are reasonable and necessary to treat the pain. Before we will pay this you must give us written certification from your treating dentist that treatment is necessary to alleviate your pain. Any treatment you receive must be given by a dentist or oral surgeon who is registered to practise in the country where you receive treatment. What is not covered?

1. There is no cover for expenses incurred for dental treatment due to normal wear and tear or the normal maintenance of dental health.

2. There is also no cover for any dental expenses you incur in Australia.

3. Any cover where you have made a claim for the same costs under any other section of the Travel Master Policy. What is the most we will pay?

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Section B

Cancellation and Additional Expenses

Section B is made up of subsections B1, B2, B3 and B4. Specific terms, conditions, limits and exclusions, as well as the ‘general exclusions’ and ‘claim procedures’ of the Travel Master Policy, apply to each subsection.

Section B1 - Cancellation or holiday deferment costs When does the cover begin and end?

The cover under this benefit begins from the date your cover is activated and ends when you return to your home in Australia or when the period of insurance ends, whichever happens first.

If you have to cancel any pre-paid travel arrangements due to any unforeseen or unforeseeable circumstances outside of your control we will pay you up to the applicable limit as set out in the schedule of benefits for the value of the unused travel arrangements, less any refunds due to you, or the reasonable cost of rearranging your trip, provided that this cost is not greater than the cancellation fees or lost deposits which would have been incurred had the trip been cancelled. We will also pay the agent’s cancellation fees up to $2,000, when full monies have been paid. If only a deposit has been paid at the time of the cancellation we will pay the agent’s cancellation fees up to the maximum of the deposit. In any event we will not pay more than the level of commission or service fees normally earned by the agent, had the trip not been cancelled.

We will also cover you if you make reasonable additional travel arrangements within 48 hours of a public warning of severe weather, natural disaster, riot, strike or civil insurrection that could affect your travel arrangements. This cover is limited to $1,000. Conditions

If cancellation is due to an illness or injury you must provide us with documentation from your treating doctor to confirm you are medically unfit to commence or continue with your trip. We will not pay for cancellation or holiday deferment

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costs unless these costs are medically justified and if you have already commenced you trip you must have our consent. What is not covered?

1. We will not pay for the value of unused pre-paid transport costs where we have repatriated you a distance equivalent to, or greater than, the total distance remaining on your itinerary at the point of repatriation. Where the total distance of the repatriation is less than the unused travel arrangements we will calculate your entitlement on a pro-rata basis, taking into account the cost of your original ticket.

2. We will not pay any amount which we have already agreed to pay under another section of this Travel Master Policy. What is the most we will pay?

The most we will pay is the applicable limit set out in the schedule of benefits.

Section B2 - Emergency travel arrangements and accommodation expenses

The cover under this benefit begins when you leave your home in Australia to start your trip and ends when you return to your home in Australia or when the period of insurance ends, whichever happens first.

We will cover you for expenses you incur for reasonable additional travel, accommodation, meals and internet use and emergency telephone calls less any refunds you are entitled to, if you have to interrupt your trip after it has begun. We will pay the higher of the non refundable cancellation fees (Under Section B1) or the additional rearrangement costs that have been incurred as a result of the same event.

Conditions

1. You must not organise any additional travel or

accommodation in excess of $2,000 without our express prior consent.

2. Any additional travel you undertake must be at the fare class that you originally chose, except where we agree

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differently on the basis of a written recommendation from your treating doctor.

What is not covered? We will not pay:

1. any expenses you incur to resume your trip after you have returned to your home in Australia, except as set out under section D3 “Resumption of trip”.

2. for additional accommodation where you have claimed for cancelled accommodation expenses covering the same period of time or for additional transport costs in excess of the distance of the cancelled travel arrangements. 3. accommodation expenses for periods where you have

not forfeited pre-paid accommodation arrangements, except as set out under section A5 “Post-hospital accommodation”.

4. where you have made a claim for the same event under any other section of this Travel Master Policy.

What is the most we will pay?

The most we will pay under this section for the reasonable cost of additional meals is $75 for each 24 hour period up to a maximum of $500. For additional travel and accommodation the most we will pay you under this benefit is the applicable limit set out in the schedule of benefits. We will also pay you for necessary emergency internet use and telephone calls up to a maximum of $250.

Section B3 - Loss of reward points When does the cover begin and end?

The cover under this benefit begins from the date your cover is activated and ends when you return to your home in Australia or when the period of insurance ends, whichever happens first.

We will choose between paying for or reinstatement of lost frequent flyer or similar flight reward points, due to the cancellation of your airline ticket.

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The amount we will pay is calculated as follows: (a) the cost of the equivalent class airline ticket, based

on the best available advance purchase airfare for the same season of the following year, less your financial contribution towards the airline ticket;

(b) multiplied by the total amount of points lost;

(c) divided by the total amount of points redeemed to obtain the airline ticket.

Example:

Equivalent class advance purchase airfare $1,000

Points lost 5,000

Points redeemed to obtain original ticket 20,000 Claimable amount = $1,000 x 5,000 5,000

20,000

$250 What is not covered?

We will not provide cover if you can recover your frequent flyer or similar reward points, or their value, from any source. What is the most we will pay?

Cover is unlimited.

Section B4 - Non-medical evacuation and repatriation When does the cover begin and end?

We will cover you if, in our opinion, you need to be evacuated or repatriated during your trip.

We will pay expenses which we believe are reasonable and necessary to bring you back to your home in Australia or to another destination of our choice.

Conditions

1. The decision to evacuate or repatriate you is ours, and we will not pay for any evacuation or repatriation expenses unless you have received our prior consent.

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2. Any additional travel you undertake must be at the fare class that you originally chose unless you have our consent. 3. You must obtain a refund for any unused prepaid transport

which may be due to you for any transport which you will not take if you are evacuated or repatriated. You agree that you will pay that refund to us. If your transport provider does not issue you with a refund, but agrees to provide you with credit, you agree that:

(a) we may use that credit towards your repatriation or evacuation; and

(b) you will take any steps we reasonably require to have that credit applied towards your repatriation or evacuation.

1. We will not cover you if you evacuate or repatriate without our consent.

2. We will not pay for any expenses you incur to resume your trip after you have returned to your home in Australia. 3. For repatriation, we will not pay more than the cost of

repatriation to your home in Australia.

4. Any cover where you have made a claim for the same costs under any other section of this Travel Master Policy. What is the most we will pay?

Cover is unlimited.

Section C

Luggage and personal effects

Section C is made up of subsections C1, C2, C3, C4 and C5. Specific terms, conditions, limits and exclusions, as well as the ‘general exclusions’ and ‘claim procedures’ of the Travel Master Policy, apply to each subsection.

Section C1 - Luggage and personal effects When does the cover begin and end?

The cover under this section begins when you leave your home in Australia to start your trip and ends when you return to your home in Australia or when the period of insurance ends, whichever happens first.

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We will cover you for each of the following:

1. accidental loss, theft of, or damage to, your luggage or personal effects including things you buy during the trip, while they are accompanying you during your trip. 2. loss of, or damage to, dentures or dental prostheses whilst

not on your person during your trip.

3. the cost of medical consultation fees you incur to replace prescription medication which is accidentally lost, stolen or damaged, together with the cost of the medication itself. 4. theft of, or damage to, your luggage or personal effects

while they are left in a locked motor vehicle or a motor home during daylight hours and there is forced entry into the vehicle.

5. theft of, or damage to, your luggage or personal effects while they are left in a locked storage facility and there is forced entry into the facility.

In the event of a claim under this section we will reinstate the applicable limit for an event that arises from any other set of circumstances.

1. Accidental loss or damage to or theft of:

(a) cash, bank or currency notes, cheques or negotiable instruments ;

(b) fragile or brittle items (eg. glass or china), except loss or damage caused by fire, or by accident to the transport carrying them;

(c) damage to personal computer screens at any time, personal computer software or applications;

(d) luggage or personal effects that are being transported independently of you;

(e) property that you leave unattended or that occurs because you do not take reasonable care to protect it; (f) luggage or personal effects for which you are entitled

to compensation from the carrier;

(g) personal computer, communication or photographic equipment, electronic equipment, jewellery or watches

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left unattended by you in a motor vehicle or a motor home for any length of time, even if they are locked in the motor vehicle or motor home;

(h) luggage or personal effects left unattended by you during non daylight hours in a motor vehicle or a motor home for any length of time;

(i) luggage or personal effects left unattended by you in a tent or caravan for any length of time;

(j) personal computer, communication or photographic equipment, electronic equipment, jewellery or watches checked in as luggage;

(k) trade items, trade samples or your tools of trade or profession

(l) gold or precious metals, precious unset or uncut gemstones;

(m) watercraft of any type (excluding theft of surfboards or damage to surfboards whilst in the custody of the carrier);

(n) sporting equipment (excluding surfboards) whilst in use; or

(o) luggage or personal effects that have been left in a locked storage facility for greater than 48 hours. 2. wear and tear or depreciation of property or damage by

the action of insects or vermin, mildew, rust or corrosion. 3. mechanical or electrical breakdown, or malfunction repair

costs.

4. any cover where you have made a claim for the same costs under any other section of the Travel Master Policy. Conditions

If we agree to cover you under this section, we will choose between:

(a) repairing or replacing your items to a condition no better than their condition at the time of loss, damage or theft; or (b) paying you their value in cash, taking into account an

allowance for age, wear and tear. The way in which we depreciate is set out under the heading “depreciation” which is set out in the claims procedures.

Premium Cards - insurances

Contents

Part 1 QBE terms and conditions

Significant risks

The Travel Master Policy

The Transport Master Policy

The Rental Excess Master Policy

GST

Privacy

Complaints and Dispute resolution process

The General Insurance Code of Practice

Schedule of benefits

OVERSEAS TRAVEL AND MEDICAL

INSURANCE TERMS AND CONDITIONS

Our agreement with ANZ

General definitions

General exclusions

Section A

Overseas medical and dental expenses

Section B

Cancellation and Additional Expenses

Section C

Luggage and personal effects